Headshot portrait of Terri Hughes, owner of BudgetHarmony and certified Budget Coach in Norfolk and Virginia Beach

Meet Terri

Hi! I’m Terri, a YNAB Certified Coach and total money nerd. I’ve always been good with money; that skill began when I was a little kid and my grandmother opened savings accounts for me and my siblings. Back then, the bank teller gave you a little book in which you recorded your deposits on one side and withdrawals on the other side. Anyone remember those?

My money nerdiness reached new levels in 2016 when I was introduced to the budgeting app You Need a Budget (YNAB). YNAB is a budgeting software method using digital envelopes…but it’s so much more than that!

YNAB changed my life by removing financial anxiety. Budgeting done properly is a way to align your money and goals. Since I found YNAB in 2016, my family has been able to truly embrace all the pleasures living in the coastal city of Norfolk, Virginia offers.

My mission is to help people achieve harmony with their finances through budget coaching. Start the journey with me!